Does auto insurance cover stolen tires?

Auto insurance covers stolen tires if you have comprehensive coverage, which costs only $13/month on average. Comprehensive insurance covers stolen rims and tires, and will even provide stolen hubcaps insurance, but you will have to pay a deductible. Prevent your tires from being stolen by parking in a secure location.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 2, 2021

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What You Should Know

  • Stolen tires aren’t considered accident-related damage.
  • Comprehensive is the only type of coverage that may cover stolen tires.
  • There are many ways to prevent stolen tires.

It is a horrible experience to find one or more tires stolen off of your vehicle. Tires can be very expensive and a pain to have replaced, especially if you can’t move your car.

In these situations, you probably find yourself asking, “Does auto insurance cover stolen tires?” It depends on the type of coverage you have. Understanding auto insurance is key to choosing the right coverage for you.

Since stolen tires aren’t considered accident-related, the only type of coverage that could cover this situation is comprehensive insurance. This type of coverage isn’t usually included in most basic auto insurance policies and would be considered additional coverage. That being said, comprehensive insurance won’t cover stolen tires in every situation. There are several factors that need to be determined first.

Before learning more about how car insurance covers stolen tires, feel free to compare insurance rates from many different companies by using our helpful tool above. We’ll help you find cheap comprehensive insurance.

Comprehensive Insurance and Stolen Tires

What does car insurance not cover? Basic policies don’t include comprehensive insurance and therefore won’t cover stolen tires. There is no stolen tire insurance, but comprehensive will usually cover the loss. However, even if you do have comprehensive coverage, there are a number of factors that determine whether it will cover stolen tires.

It must be determined where and when the theft took place, as well as the specific brand and type of tires that were stolen. All these things must be proven to your insurance company before they will pay out for replacement tires.

Once you have everything in order, the next step is to file a stolen car insurance claim with your insurance company.

What are the different types of auto insurance claims? This is important to know so you can make the right choice between Total Loss, Bodily Injury, etc.

Filing a claim for comprehensive insurance will likely result in you having to pay a deductible. Deductibles can be quite pricey, so you may want to determine whether it makes more financial sense to pay a deductible or pay for the new tires yourself.

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How much does comprehensive insurance cost?

As we mentioned above, comprehensive insurance is usually considered additional coverage and will thus come with additional fees. The actual price of comprehensive coverage all depends on the state in which you live and your specific insurance company. Almost every insurance company offers vastly different rates.

For example, check out the chart below, which shows average insurance costs nationwide over several years, including comprehensive insurance.

U.S. Average Annual Auto Insurance Rates
YearAnnual Liability Auto Insurance RatesAnnual Collision Auto Insurance RatesAnnual Comprehensive Auto Insurance RatesAnnual Full Coverage Auto Insurance Rates
2017$611.12$363.08$159.72$1,133.92
2016$571.68$341.91$152.49$1009.38
2015$542.93$323.21$147.73$1,013.87
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As you can see, comprehensive is cheaper on average than other coverage options. The good news is that comprehensive insurance covers much more than just stolen tires, including damage from vandalism, windshield repairs, natural disasters, and much more.

What to Do When Your Tires are Stolen

First, you want to file a police report with the police to have it on record. You should also take pictures of your car and check for any other types of damage that may have occurred while the thieves were removing your tire.

Then, if you have comprehensive insurance coverage, contact your insurance company to see what your options are. Comprehensive coverage may be the answer when asking, “Does insurance cover rims and tires?” The same answer may apply when wondering about stolen hubcaps insurance or when asking, “Does insurance cover aftermarket rims?”

How to Prevent Tire Theft

You may be wondering, “How can I protect my tires from being stolen?” There any many good options for preventing tire and rim theft. You may want to keep your vehicle in a garage if you have access to one. There are also specialty lug nuts and wheel locks that make it harder for a thief to remove your tires.

Installing a sensor alarm is another great option, an example of which can be seen in the video below.

However, all these preventative methods can be expensive. There are simple parking techniques that you could also use to prevent tire theft, including parking close to the curb and/or turning your wheels to a 45-degree angle. Certain types of tires and rims are stolen more often than others. The most stolen car rims, wheels, and tires usually depend on the area in which you live.

Now that you know the answer to “Does car insurance cover stolen tires?”, use our helpful tool to compare rates near you. Just enter your ZIP code now to find affordable theft insurance.

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Frequently Asked Questions: Does auto insurance cover stolen tires?

#1 – Does auto insurance cover tire damage?

It depends on the circumstances in which your tire was damaged. Comprehensive insurance may cover a tire that was damaged due to vandalism, weather damage, etc. Check out our page explaining comprehensive insurance for even more information. This can also apply when asking, “Does insurance pay for slashed tires?”

Another type of additional coverage that may cover tire damage is collision insurance, which covers most damages relating to a collision that your vehicle was involved in. Even if you have both comprehensive and collision coverage, it is important to consult your insurance company to make sure tire damage is covered.

#2 – Does auto insurance cover a nail in your tire?

In most cases, insurance won’t cover a nail in your tire or any other sort of puncture damage. That being said, there are some low-cost options for repairing a punctured tire, including getting it patched by a reputable body shop.

#3 – Does insurance cover items stolen from a car?

You may be wondering if your insurance will cover stolen items that were in a car. For example, is a laptop stolen out of your car covered? Unfortunately, auto insurance will usually not cover items stolen from your vehicle.

#4 – What happens when your car is stolen with insurance?

If your vehicle was stolen, it may be covered, but only if you have comprehensive insurance.

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